At the end of her schooling, a student owes $12,500.00 in student loans. A repayment schedule is set up with a bank with the interest rate set at 9% c.m. over 10 years and monthly payments of $158.34. If the student paid $200.00 per month instead of the monthly payment of $158.34, how many payments would be required to pay off the loan and how much is the final payment? How much would the student save in total interest charges